KYB/AML Analyst, Sweden
About this role
About Ramp
Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.
The problems are high-stakes, data-dense, and unforgiving.
We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.
About the Role
Ramp is launching payments across the EU through its Swedish payment institution. Our European operations team (Europs) onboards European businesses and keeps them trading, across Ramp's own regulated entities and our card-issuing and payments partners. We're a small team that runs on frontier AI tooling: our operators build and use their own automations so they can spend their time on judgement, not admin. We're hiring a KYB/AML Analyst in Stockholm to review and onboard business customers of our Swedish entity, work directly with those customers to get them live, and resolve onboarding requirements raised by our partners. You'll join a small Swedish team and help keep onboarding moving every day as we grow.
What You'll Do
Carry out first-line (1LoD) KYB reviews of business customers onboarding with Ramp's Swedish payment institution: company verification, beneficial ownership, sanctions/PEP/adverse-media screening, and risk assessment
Decide standard cases end to end, and escalate complex or higher-risk cases with a clear rationale
Handle customer communications through onboarding: clear document requests, follow-ups and status updates
Resolve onboarding requirements from our card-issuing and payments partners for EU customers
Document decisions to a standard that holds up to second-line and regulatory review
Keep Swedish casework moving when teammates are on leave or handling incidents
Spend part of your time improving how we work: playbooks, templates and AI-assisted workflows
What You Need
2–4 years of KYB / AML / onboarding experience at a fintech, payment institution, EMI or bank
Solid grounding in business customer due diligence: company registers, UBO identification, sanctions/PEP screening, and spotting red flags
Fluent English, written and verbal
Clear, friendly written communication with customers
Curiosity about AI tools and how they can make casework faster and better
Based in, or relocating to, Stockholm, with the right to work in Sweden
Nice-to-Haves
Swedish (strongly preferred)
Familiarity with Swedish sources and requirements (Bolagsverket, the beneficial ownership register, FI expectations under the Swedish AML Act)
Experience onboarding EU businesses across several jurisdictions
An additional European language
Benefits available to all full-time Ramp employees (Global)
Flexible PTO
Centralized home-office equipment ordering
Health and wellness stipend
Budget for intra-office travel
Weekly coffee stipend
United States
100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
One Medical annual membership
401(k), including employer match on contributions made while employed by Ramp
Fertility HRA (up to $10,000 per year)
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
Pet insurance
In-office perks: lunch, snacks, drinks, and more
Relocation expense coverage to NYC or SF (if needed)
Canada
Group medical, dental, and vision coverage through Sun Life
Life, AD&D, and disability coverage
Fertility drug coverage (up to $4,000 lifetime)
Group Retirement Plan with employer match (RRSP + DPSP)
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
Employee Assistance Program and virtual care through Lumino Health
United Kingdom
Private medical insurance through Freedom Elite
Virtual GP and at-home care via eMed x Livi
Workplace pension through Penfold, with salary sacrifice option
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay
Referral Instructions
If you are being referred for the role, please contact that person to apply on your behalf.
Other notices
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
